304 W Main St, Lattimore, NC 28089 Property Records

Cleveland County property record for 304 W Main St, Lattimore, NC 28089

Property Summary

Property Type	Single Family Home
Details	2,864 sqft · built 1930
Lot Size	26.8 acres (1,170,022 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Aug 2018)
Tax Bill	$1,151 (2026)
Deeds & Mortgages	Aug 2018 Sale & Mortgage Jan 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`31972`

Property Details

APN / Parcel Number

Primary APN	`31972`
Alternative APN	`1321074`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	2,864 sqft Finished Area
Upper Floors Area	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1975
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Shed Roof
Lot Area	1,170,022 sqft (26.8 acres)

Exterior Amenities

Porch	Slab
Porch Area	800 sqft
Canopy	133 sqft
Storage Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Heat Pump

Location & Zoning

Account Number	1321074
Street Address	304 W MAIN ST
City	LATTIMORE
State	NC
Zip	28089
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA3
Legal Description	26.86 AC RD 1325
Legal Subdivision	LATTIMORE
Legal Block	1
Legal Lot Number	201U
Jurisdiction	CLEVELAND NC
Township / Civil Division	CLEVELAND
Census Block Group	3
Census Block	3011
Census Tract	951400

Owner

304 W Main St is owned by two individuals who bought it in August 2018.

Source: Cleveland County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3835 W DIXON BLVD, SHELBY, NC 28152-1059
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2018	Warranty Deed, Transfer · Conventional with PMI USAA
Jan 24, 2019	Correction Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2018 · Amount on File
Deed Sale	Aug 17, 2018 · Amount on File
Deed Document Number	2018200017063
Deed Book / Page	1774 / 856
Record Updated	Oct 29, 2026

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEVELAND NC
Recording Date	Aug 17, 2018
Property Address	304 W MAIN ST, LATTIMORE, NC 28089
Document Number	0017740856
Book / Page	001774 / 000856
Instrument Date	Aug 16, 2018
Instrument	17063
Transaction Type	Transfer
Record Updated	Sep 11, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	304 W MAIN ST LATTIMORE NC 28089, LATTIMORE, NC 28089

Mortgage

Document Number	17740859
Date	Aug 17, 2018
Book Page	001774/000859
Instrument	17064

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 16, 2048

January 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	CLEVELAND NC
Recording Date	Jan 24, 2019
Property Address	304 W MAIN ST, LATTIMORE, NC 28089
Document Number	0017841001
Book / Page	001784 / 001001
Instrument Date	Aug 16, 2018
Instrument	22302
Transaction Type	Transfer
Record Updated	Feb 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$480.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 W MAIN ST LATTIMORE NC 28089, LATTIMORE, NC 28089

Tax Assessment & Valuation

The 2026 property tax bill for 304 W Main St was $1,151, up 7% from the year before.

Source: Cleveland County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cleveland County
Municipality	Lattimore Town
Unified School District	Cleveland County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,151.00 (+6.97%)	$261,840 (-) Land $170,574 Building $91,266	$261,840 (-) Land $170,574 Building $91,266
2025	$1,076.00	$261,840 Land $170,574 Building $91,266	$261,840 Land $170,574 Building $91,266
2023		$191,252 Land $110,035 Building $81,217	$191,252 Land $110,035 Building $81,217

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 304 W Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 5, 2020

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 304 W Main St is moderate, ranking above 43% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · above 64% of North Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CLEVELAND COUNTY WATER serves 59,395 people · EPA ID NC0123055
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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